We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 242 results
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Decision Reference DRN-4587540
14 Mar 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4587540 The complaint Mrs B complains about the way Advantage Finance Ltd has dealt with her concerns over the quality of a car it supplied to her under a hire-purchase agreement. What happened In May 2022 Mrs B entered into a 48-month hire-purchase agreement with Advantage for a used ... (2 pages)View decision -
Decision Reference DRN-4541965
5 Mar 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4541965 The complaint Miss H has complained about the way Advantage Finance Limited administered a hire purchase agreement she’d taken out to acquire a car. What happened The circumstances of the complaint are well known so I’m not going to go over everything again in detail. But, to s... (3 pages)View decision -
Decision Reference DRN-4629288
21 Feb 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4629288 Complaint Miss O complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with her. She’s effectively said that the payments to the agreement were unaffordable and so it shouldn’t have been provided to her. Background In July 20... (3 pages)View decision -
Decision Reference DRN-4591753
7 Feb 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4591753 Complaint Miss L complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with her. She’s effectively said that the payments to the agreement were unaffordable and so it shouldn’t have been provided to her. Background In August ... (3 pages)View decision -
Decision Reference DRN-4319456
2 Feb 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4319456 The complaint Miss P complains that Advantage Finance Ltd (Advantage) unfairly agreed to a loan that she couldn’t afford. What happened In August 2018 Miss P acquired a car when she entered into a Hire Purchase agreement with Advantage. The cash price of the car was £6,295 with... (4 pages)View decision -
Decision Reference DRN-4577332
31 Jan 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4577332 Complaint Mr R complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said he was the monthly payments for the agreement weren’t affordable and so he shouldn’t have been accepted for it. Background In June 2018,... (3 pages)View decision -
Decision Reference DRN-4535901
15 Jan 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4535901 The complaint Mr S is complaining about Advantage Finance Ltd. He says they were irresponsible in lending to him because the repayments were unaffordable. Mr S’s complaint has been brought to us by a representative but for ease of reading I’ve written as if we’ve dealt directly... (3 pages)View decision -
Decision Reference DRN-4519988
5 Jan 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4519988 Complaint Mr G complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said he was the monthly payments for the agreement weren’t affordable and so he shouldn’t have been accepted for it. Background In June 2021,... (3 pages)View decision -
Decision Reference DRN-4263711
5 Dec 2023 Advantage Finance Ltd Not upheldConsumer CreditDRN-4263711 The complaint Mr H complains that a car acquired under a hire purchase agreement with Advantage Finance Ltd wasn’t of satisfactory quality. What happened In January 2021, Mr H acquired a used car from Advantage Finance under a hire purchase agreement. The car was five years old... (3 pages)View decision -
Decision Reference DRN-4276000
29 Nov 2023 Advantage Finance Ltd Not upheldConsumer CreditDRN-4276000 The complaint Mr S complains that Advantage Finance Ltd (Advantage) irresponsibly granted him a hire purchase agreement that he couldn’t afford to repay. What happened In April 2018 Mr S acquired a vehicle financed by a hire purchase agreement from Advantage. Mr S was required ... (4 pages)View decision